1. Forms
  2. CG
  3. CG-20-01

What it does

CG 20 01 adds a primary and noncontributory provision to the Other Insurance condition. The insurance is primary to, and will not seek contribution from, other insurance available to an additional insured, provided that (1) the additional insured is a Named Insured under that other insurance and (2) the named insured agreed in writing in a contract that its insurance would be primary and noncontributory.

Who needs it

Contractors, tenants, vendors and service businesses whose contracts require their coverage to respond first for the additional insured. Certificates frequently say "primary and non-contributory"; this is the ISO form that delivers it.

Key provisions and limits

  • Applies only to additional insureds; it does not change how the policy shares with the named insured's own other insurance.
  • The condition only reaches the additional insured's policies on which it is a Named Insured, not policies on which it is itself only an additional insured.
  • The 12 19 edition applies to the CGL, Liquor Liability and Products/Completed Operations coverage parts; the 04 13 edition listed only CGL and Products/Completed Operations.

Quoting and selling notes

  • The endorsement does not create AI status; it must be paired with an AI form (CG 20 10, CG 20 26, CG 20 11, CG 20 33, CG 20 43, etc.).
  • Umbrella policies need their own primary/noncontributory wording if the contract requires it of excess limits.
  • Older or carrier forms that are blanket or scheduled may differ; confirm the wording satisfies the contract.

Contract checklist

  • The condition works only where the contract was signed before the loss and calls for primary and noncontributory coverage; keep copies of signed contracts.
  • If the other party is only an additional insured (not a Named Insured) on its own insurance, the condition does not reach that policy.
  • Many contracts also require the umbrella to be primary and noncontributory to the AI's own umbrella; that needs separate wording on the umbrella.
  • The 12 19 edition adds the Liquor Liability coverage part, so the same request can be met on a liquor policy.
  • Combine with the appropriate AI form and, if required, a waiver of subrogation (CG 24 04 or CG 24 53).

Related forms

CG 20 10, CG 20 37, CG 20 26, CG 20 33, CG 20 38, CG 20 43, CG 24 04.